Health Insurance Tips: Today, health insurance is no longer just a piece of paper. It has become a crucial part of securing our lives. However, often, despite having a policy, people end up paying out of pocket during hospital treatment. The main reason for this is that people don’t pay attention to essential coverage.
Often, people choose policies simply to keep the premiums low. But the real problem arises when they have to file a claim after being hospitalized. Therefore, it is very important to include some important coverage when taking out health insurance.
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Critical Illness Cover
Treatment for serious illnesses like cancer, heart attack, stroke, or kidney failure is very expensive. Often, regular health insurance policies do not cover the full cost. Critical Illness Cover provides a lump sum amount upon diagnosis of the illness, which helps with treatment, medication, and household expenses. This provides great relief during prolonged treatment.
Disability Cover
An accident can completely change your life. If an accident results in permanent or temporary disability, your income is affected. Disability Cover helps compensate for the loss of regular income in this situation. It provides support not only for medical expenses but also for daily needs.
Unlimited Restoration Benefit
Many people think that if the sum insured is exhausted, the policy becomes useless. Unlimited Restoration is the solution to this problem. If the sum insured is exhausted, this feature replenishes it. The special thing is that the coverage remains even if you make more than one claim in a year.
No Claim Bonus
If you don’t make any claims throughout the year, the insurance company rewards you. This is called a No Claim Bonus. With this, your sum insured increases for every claim-free year, without increasing the premium. In the long run, this can be a great relief for expensive treatments.
Room Rent Modification
Choosing a room in the hospital is not just about comfort. If the policy has a room rent limit, the remaining expenses may be deducted if you choose an expensive room. In policies with Room Rent Modification or No Room Rent Limit, you can choose a room according to your needs. This does not result in any deductions on doctors’ fees and other charges.
Why are these 5 features important?
These five coverages directly impact both treatment and expenses. They provide financial security in case of serious illness, income support after an accident, relief in case of multiple claims, benefits for not making claims, and protection against deductions in hospital expenses. This is why these features are crucial for a strong health insurance policy.